Student Travel Guard - TATA-AIG Insurance
TATA-AIG Student Guard Benefits Details
| Coverages |
| Sum Insured in US$ |
Plan A |
Plan B |
Ultimate |
| Medical Insurance |
Accident & Sickness Medical
Expenses Reimbursement |
$50,000 |
$100,000 |
$250,000 |
| Deductible |
$100 |
$100 |
$100 |
| Emergency Evacuation* |
Included |
Included |
Included |
| Repatriation of Remains* |
Included |
Included |
Included |
| AD & D 24 Hrs |
$10,000 |
$25,000 |
$25,000 |
| Felonious Assault (AD&D) |
$5,000 |
$5,000 |
$25,000 |
Travel Inconvenience
|
| Baggage Loss (CHECKED) |
$500 |
$1,000 |
$2,000 |
| Deductible |
10% / 50% |
10% / 50% |
10% / 50% |
Baggage Delay (After 12 hours
only)# |
$0 |
$50 |
$150 |
| Loss of Passport |
$250 |
$250 |
$250 |
| Deductible |
$30 |
$30 |
$30 |
| Personal Liability |
$100,000 |
$100,000 |
$500,000 |
| Deductible |
$200 |
$200 |
$200 |
| Study Interruption |
$7,500 |
$7,500 |
$15,000 |
| Sponsor Protection |
$10,000 |
$10,000 |
$20,000 |
| Compassionate Visit (2-Way) |
$1,500 |
$5,000 |
$7,500 |
| Bail Bond |
$500 |
$1,000 |
$5,000 |
Maternity Benefit for termination of
Pregnancy only |
$0 |
$500 |
$1,000 |
Treatment for Mental and Nervous
Disorders : Including Alcoholism
and Drug Dependency |
$0 |
$500 |
$1,000 |
Cancer Screening and
Mammography Examinations |
$250 |
$500 |
$1,500 |
| Red 24 Services |
Included |
Included |
Included |
| Assistance Services |
Included |
Included |
Included |
| Relocation Services (Applicable only for Students covered on 365 days Including Americas Plan) |
* - Included under the overall limit of Accident & Services Medical
Expenses Reimbursement.
# - Reimbursement of purchase of necessary personal effect, due to
baggage delay overseas.
Study Interruption
We'll reimburse tuition fee paid in advance for the current
semester if your studies are interrupted due to medical or
compassionate reasons.
Sponsor Protection
In the event of accidental death or permanent disablement of your
sponsor, we'll reimburse the remaining school fees up to a specified
maximum limit shown in the table of benefits.
Accident and Sickness Medical Expenses
We will pay you Covered Medical Expenses incurred overseas by you,
which are not due to a pre-existing condition up to the maximum
stated in the Policy Schedule or the Schedule of Benefits.
Compassionate Visit(2-way)*
Visit by Family Member:-
If you are hospitalized for more than
seven(7) consecutive days, we will cover the cost of round-trip
economy class air ticket and accommodation expenses for an
immediate family member to be with you.
Visit by Student:-
In the event of death or hospitalization of
parent(s)/spouse/child(ren) for more than seven(7) consecutive days,
we will cover the cost of a round trip economy class air ticket.
(* - Subject to maximum coverage as provided in the Schedule of
Benefits.)
Personal Accident
Student Guard Plus provides worldwide coverage against Accidental
death and permanent Disablement whilst you are abroad, upto
maximum limit shown in the Schedule of Benefits.
Assistance Services
Our assistance team will be available around the clock for any
assistance or referral services.
Maternity Benefits
Medical expenses related to termination of pregnancy are covered
subject to maximum amount as provided in the Schedule of Benefits
subject to a waiting period of 10 months from the effective date of
policy.
Mental and Nervous Disorders
Medical expenses related to treatment for mental and nervous
disorders on recommendation of a physician, including alcoholism and
drug dependency are covered subject to maximum amount as
provided in the schedule of benefits.
Cancer Screening and mammography
Medical expenses related to Cancer Screening and mammography
examination on recommendation from a physician are covered subject
to maximum amount as provided in the schedule of benefits.
Red 24 Services (http://srvb.red24.in..)
Red 24 is a unique global security services providing advice to help
individuals avoid and manage personal risks for themselves and their
families.
Relocation Services
The AIG International Services Student Support Membership provides
solutions to the problems students face in the United States. Through
our 24-hour multilingual services center, we offer access to a board
range of benefits that are designed to make the transition easy and
hassle free. In case you are opting for 1 year policy this program is
already included in the plan.
Additional Features
- 24 Hrs. Worldwide Emergency Assistance Service
- Emergency Medical Evacuation
- Repatriation of Remains
- Felonious Assault
- Personal Liability Abroad
- Accident and Sickness Medical Reimbursement
- US Drivers License & Social Security Application Information
- 24-Hrs Emergency Translation Services
- Personal security services from red24
- Worldwide Assistance Services
Premium Cost
Age 16 -35
yrs |
Excluding Americas |
Including Americas |
| |
Optional Benefits |
Optional Benefits |
| Duration |
Plan A |
Plan B |
Ultimate |
Plan A |
Plan B |
Ultimate |
| 30 Days |
1,137 |
1,242 |
1,475 |
2,267 |
2,638 |
2,926 |
| 60 Days |
1,877 |
2,056 |
2,450 |
3,799 |
4,917 |
5,587 |
| 90 days |
2,616 |
2,870 |
3,357 |
5,330 |
6,218 |
6,773 |
| 180 Days |
4,201 |
4,614 |
5,237 |
8,611 |
9,147 |
10,463 |
| 270 days |
6,262 |
6,880 |
7,815 |
12,877 |
15,655 |
17,253 |
| 365 days |
8,576 |
9,426 |
10,710 |
20,576* |
21,808* |
24,440* |
*Condition Apply: Please refer to policy documents for terms and conditions.
Other benefits include: 24 hrs Worldwide Emergency Assistance
Services, Emergency Medical Evacuation, Repatriation of Remains,
Felonious Assault, Lost Luggage, Personal Liability Aboard, Accident
and sickness Medical Coverage
All Rates, Tax Amounts & Total Gross Figs. Have been rounded to the
Nearest Rs. Value.
Eligibility
- Any individual, between sixteen (16) and thirty-five (35) years
of age, enroll and attending a full-time registered educational
institution of higher learning, outside Republic of India.
- The insured person can only be covered under one such policy
for the period.
Key Exclusions
- Acts of war, terrorism, Participation in illegal acts, professional
and/or competitive sports, pregnancy or childbirth except for
termination of pregnancy, suicide or self inflicted injury, AIDS.
- Any Pre-existing conditions or complications arising there from.
- Any loss due to your engagement in any branch of armed forces
or operating; acting as a crew member or an operator of any
carrier; testing of any kind of conveyance; engagement in any
kind of labor work; engagement in offshore or mining or aerial
photography; handling explosives.
Also you are not covered if any expenses incurred directly or indirectly
in respect of: traveling against the advice of the physician; for
obtaining treatment; pre-existing ailments & complications arising out
of them; Suicide or attempted suicide; war; terrorism; illegal acts;
dangerous sports etc
For other exclusions please refer to the policy wordings.
Insurance is the subject matter of the solicitation.
